This matches my understanding too. According to Sen. Warren's book 'A Fighting Chance', the dealers lobby was able to get significant exemptions added for thems

This matches my understanding too. According to Sen. Warren's book 'A Fighting Chance', the dealers lobby was able to get significant exemptions added for themselves when financial regulations were being discussed in 2013 [1]. One of these was the ability to change the rate of a loan after the sale is done.